Best Shopping Credit Cards to Apply for in 2024 – Maximize Your Shopping Rewards!

As shopping has become a regular part of our lifestyle, especially online, it makes sense to use a credit card that rewards us for every purchase. Whether it’s fashion, electronics, groceries, or dining, having a shopping-centric credit card in your wallet means extra savings, rewards, and perks. In this guide, we explore some of the best shopping credit cards available in 2024 that can help you make the most out of every rupee spent.

1. HDFC Bank Millennia Credit Card

Why it’s great: The HDFC Millennia Credit Card is a popular choice among young shoppers for its versatile cashback program and great online shopping perks. It’s especially useful for those who frequently shop on Amazon and Flipkart.

• Shopping Benefits: 5% cashback on Amazon, Flipkart, and other e-commerce spends through HDFC’s SmartBuy portal, 2.5% on all other online spends, and 1% on offline transactions.
• Annual Fee: ₹1,000 (waived on annual spends of ₹1 lakh).
• Who Should Get It: Ideal for frequent online shoppers who want a straightforward cashback structure and value-added perks on Amazon and Flipkart.
• Pro Tip: Maximize your cashback by making purchases through the HDFC SmartBuy portal for additional deals.

Why You Should Consider It: For those who shop online frequently, the HDFC Millennia Credit Card provides strong cashback on top e-commerce sites, making it a top contender for online shopping rewards.

on every purchase.

2. Flipkart Axis Bank Credit Card

Why it’s great: This Axis Bank card, co-branded with Flipkart, is designed for those who love shopping on Flipkart and Myntra. With additional cashback on partner platforms, it’s one of the best cards for fashion and online shopping enthusiasts.

• Shopping Benefits: 5% cashback on Flipkart and Myntra, 4% cashback on preferred merchants like Swiggy, PVR, and Cleartrip, and 1.5% on all other spends.
• Annual Fee: ₹500 (waived on annual spends of ₹2 lakh).
• Who Should Get It: Perfect for Flipkart and Myntra shoppers, and those who spend on food delivery and entertainment.
• Pro Tip: Use this card for all Flipkart and Myntra purchases to quickly accumulate cashback.

Why You Should Consider It: With high cashback rates on Flipkart and Myntra, this card is a fantastic choice for online shopping and fashion enthusiasts.

3. Axis Bank ACE Credit Card

Why it’s great: The Axis Bank ACE Credit Card is known for its flat cashback on essential spends, including popular categories like bill payments, groceries, and recharges, which indirectly benefits regular shoppers.

• Shopping Benefits: 5% cashback on bill payments and recharges made through Google Pay, 4% cashback on partner merchants (Swiggy, Zomato, and Ola), and 2% on all other spends.
• Annual Fee: ₹499 (waived on annual spends of ₹2 lakh).
• Who Should Get It: Great for those who want a no-fuss cashback card that covers a variety of shopping categories, especially on essentials.
• Pro Tip: Maximize this card by using it for everyday purchases and recharges through Google Pay to benefit from high cashback.

Why You Should Consider It: This card is perfect for shoppers looking for consistent cashback on essential spends and is ideal for those who use Google Pay for everyday payments.

4. SBI SimplyCLICK Credit Card

Why it’s great: The SBI SimplyCLICK Credit Card offers robust cashback on online shopping, with additional benefits on partner platforms, making it a reliable choice for digital shoppers.

• Shopping Benefits: 10X rewards on online spends at Amazon, BookMyShow, Cleartrip, Lenskart, and UrbanClap. 5X rewards on all other online spends.
• Annual Fee: ₹499 (waived on annual spends of ₹1 lakh).
• Who Should Get It: Best for users who shop online across multiple categories, from travel to entertainment.
• Pro Tip: Use this card on its 10X reward partner sites for maximum benefits.

Why You Should Consider It: If you’re looking for a flexible shopping card with bonus rewards on popular online platforms, this card provides high value for its low annual fee.

5. HDFC Bank Regalia Credit Card

Why it’s great: Known for its premium benefits, the HDFC Regalia Credit Card is perfect for users who want more than just cashback. This card is popular for its high reward points and travel benefits, along with a solid rewards structure for online shopping.

• Shopping Benefits: 4 reward points per ₹150 spent on most transactions, redeemable for shopping and travel.
• Annual Fee: ₹2,500 (waived on annual spends of ₹3 lakh).
• Who Should Get It: Ideal for high spenders who want both shopping and travel perks.
• Pro Tip: Redeem reward points through HDFC’s online portal to unlock maximum value.

Why You Should Consider It: For those who seek both shopping rewards and premium perks, the HDFC Regalia offers a balanced mix of cashback and travel benefits.

Choosing the Best Shopping Credit Card for Your Needs

When selecting a shopping credit card, it’s essential to consider your spending habits. Here’s a quick guide to help you decide:

• Primary Shopping Platform: Choose a card co-branded with your main shopping platform (e.g., Amazon, Flipkart) to maximize cashback.
• Annual Fees vs. Benefits: Make sure the card’s rewards outweigh the annual fees. Many cards waive the fee if you meet the annual spending requirement.
• Spending Categories: Select a card with cashback or rewards on categories you frequently spend on, such as groceries, dining, or entertainment.

Why Apply Through EaseMyDeal?

If you’re interested in applying for any of these shopping credit cards, consider using Easemydeal for additional benefits:

• Extra ₹500 Cashback: EaseMyDeal offers a ₹500 cashback on approved credit card applications.
• Quick Comparisons: You can easily compare credit cards from multiple banks and filter them based on features like cashback rates, shopping perks, and annual fees.
• Eligibility Check: With Easemydeal, you can quickly check which cards you’re eligible for, saving time and simplifying the application process.

Conclusion

Shopping credit cards are a great way to earn rewards and cashback on everyday expenses. Whether you’re a frequent Amazon shopper, Flipkart enthusiast, or someone who wants broad rewards on essentials, there’s a card that aligns with your needs in 2024. By using a shopping credit card, you can enjoy savings on every purchase while enjoying perks like lounge access, cashback, and exclusive offers.

Take advantage of Easemydeal’s additional cashback offer to get started on maximizing your savings and making the most of every shopping experience. Choose the best shopping credit card that aligns with your lifestyle, and start enjoying the rewards!